 And if you miss anything, we invite you to check out the Retirement for Living podcast. You can find this weekend's show plus a full archive, all commercial free, specialty shows, celebrity interviews, and more. Just put a search on it. Retirement for Living, wherever you find your favorite podcast. And of course, you can get more at belmont-capital.com. 704-946-7000. Joe Pad, if someone were to call you a tightwad, would you punch them in the face or would you give them a hug?